MSME Loans

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Kinara Capital is an RBI registered company

Why choose Kinara Capital?

Get MSME loans from ₹1 lakh to ₹30 lakhs with a digital-first process in your preferred language. We serve 3000+ pincodes and 300+ sectors

Quick process


Get your loan in 24 hours

Quick process


Minimal and flexible documentation process

Quick process


Doorstep customer service to help you from start to finish

Business loans for MSMEs to grow

Kinara Capital has supported 35,000+ small businesses across India. Get a collateral-free MSME business loan for your various operational requirements.

  • Tenure

    12 - 60 months

  • Rates

    21% to 30% p.a

  • 1-30 lakhs


MSME Loan without collateral

Financial success isn't a matter of luck, it's a matter of planning. Part of good planning for a small business entrepreneur is knowing how to access resources to help you run your business. One major hurdle for many small businesses is being barred from accessing formal capital because of a lack of property collateral. But this shouldn’t hinder you from accessing MSME finance. Kinara’s collateral-free business loans can give you the capital you need to expand your business, without the need to provide any form of security.


MSME Finance for growth

Small business entrepreneurs reach a stage in their operations, when they want to expand their business. These activities can be related to opening a new store, shifting to a new location, procuring raw material or adding more products to their list of offerings. This is when small business loans come as a respite for MSMEs. We provide working capital loans to cover a range of business expenses like renovating premises, refreshing inventory, paying workers and adding to the product range, as well as asset purchase loans for buying old and new machinery. Check your MSME loan eligibility and grow your business.


Unsecured Business Loans for MSMEs

Access to capital is a challenge for MSMEs. With a flexible and digital application process, Kinara Capital can provide collateral-free MSME loans in just 24-hours. Multi-lingual support is available throughout the process with doorstep customer service. We provide SME loans to 300+ sectors, across 90+ cities and 3,000 pin codes. Small businesses can avail of our loans to meet a range of business expenses and to expand their operations. Business owners can apply for MSME Loan starting with a quick 1-minute eligibility check.


MSME Loan Process

Kinara Capital has a quick MSME business loan process. After the initial application process and approval, a loan can be disbursed within just 24-hours. You can get started with an MSME loan eligibility check on our website. If you are eligible, a Kinara Loan Officer will be in touch for the rest of the process. Once your application is verified and approved, your small business loan will be disbursed. Our documentation process is flexible and allows for the substitution of certain documents with others, subject to availability.

Hear from our Happy Customers

Meet our VikasChampions

With their grit & perseverance, small business owners go on to create local jobs and grow India’s economy. Here’s what they have to say about us!

GainUp Designs

“Nobody was interested in giving us a loan in the early stages of the business except for Kinara. With the loan, we bought an imported machine, which helped us get new buyers and exporters and establish ourselves in our field.”

Karthikeyan AS
Karthikeyan AS
ASK Three Star Steels

“We got the funding from Kinara to install a powder coating unit. This improved our product and tripled our turnover from Rs. 1 crore to Rs. 3 crores in a year.”

Iswarya and Mohan Babu
Iswarya and Mohan Babu
Mukund Automats

“Kinara has been the most important factor on our growth and success. Once we got the first loan, we started expanding our business and never looked back. Now we employ 50 people!”

Amar Singh
Amar Singh
Sai Balaji Electronics

“Kinara is like my best friend. With their support I have doubled my turnover and improved my life.”

Frequently Asked Questions


  1. What are the types of MSME loans offered by Kinara Capital?

    We offer two types of unsecured business loans. The first is working capital loans, which help you finance your day-to-day business expenses. The second is asset purchase loans, with which you can buy old or new machinery to improve the quality of your products, and production speed.

  2. Which sectors are covered by MSME loans?

    300+ sectors in the manufacturing, service and trading sector are eligible to apply for an MSME business loan. We provide unsecured business loans in less than 24 hours. Check your eligibility to see if you qualify.

  3. What are the documents required for availing MSME loans?

    We would need some personal and business documents to complete the KYC process for MSME finance. Some documents required are Aadhaar Card, Udyam registration number, business registration proof, bank statements (12 months’).

  4. Why choose Kinara Capital?

    Our customers choose Kinara Capital for three reasons. First, we provide loans in less than 24-hours. Second, we do not require any property collateral, and third we provide multilingual services and doorstep customer service. Our MSME loan process is very simple and easy.

  5. What is the MSME Loan Eligibility Criteria?

    The business must be operational for more than 2 years, have a turnover greater than Rs. 50,000 and must be in one of Kinara’s serviceable pincodes & sectors.

Collateral-free business loans in 24-hours!

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